[RobGR]

Rather than refusing to work, doesn't it make much more sense to refuse to use credit cards and refuse to buy a house on credit (as much as possible anyway) ?

After all, the credit card rates you pay reflect their defaults. So just use cash or a debit card or other means until the credit card industry quits giving cards to those people. Your mortgage rate and "mortgage insurance" and other fees reflect the defaults of sub-prime mortgages and other unwise decisions; rent until you can buy a cheap house on a 15 year fixed rate mortgage, or perhaps you have enough savings to buy a house at foreclosure auctions.

Of course, if you are frustrated because you are paying interest on a lot of credit card debt and have a high house payment for a bigger house than you need, perhaps you are more part of the problem than you think. Perhaps by holding on you are just becoming the last level of a pyramid scheme.